How does a PAP typically respond if the insured is involved in an accident with a hit-and-run driver?

A Personal Auto Insurance Policy (PAP) typically includes uninsured motorist coverage, which is designed to protect the insured when involved in accidents with drivers who do not have insurance. This provision applies to hit-and-run scenarios as well since the identity of the hit-and-run driver is unknown, effectively classifying them as uninsured. The insured can make a claim under their own policy for damages sustained in the accident, such as bodily injury or property damage, thanks to this coverage.

This feature is crucial as it ensures that the insured has some level of financial protection even when the at-fault driver cannot be identified or is lacking proper insurance. In contrast, options that suggest no coverage or limited coverage only for medical expenses do not account for the comprehensive financial protection that uninsured motorist provisions offer. The option stating that it pays all damages incurred by the other party is also misleading, as liability coverage will not apply since the hit-and-run driver cannot be held accountable.